The Tenn Secured Account and Charge Card Agreement

Little could be extracted from Evolve Bank & Trust's The Tenn Secured Account and Charge Card Agreement agreement. What follows is a short account of the gaps rather than a full pricing analysis.

A filing that discloses little

Only a small number of terms could be extracted from this agreement, which limits what can usefully be said about it.

Known terms amount to a purchase APR of 0% and a late fee of up to $0, and no more than that.

Rather than fill the space with generic commentary, this page stops here and points at the document. For a filing this opaque, the PDF is the only thing worth reading.

What the filing does not tell you

Absent from the captured terms: anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee. The original document is the place to look for any of these.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Where the authority sits

The filed PDF is linked from this page and runs 33 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

There is not enough in this filing to characterise the card's cost. Read the linked agreement; this page will not pretend to more than it has.